Buhgalter launches a P2P payment gateway for online projects: card transfers, SBP and QR in, rubles or clean USDT out

October 31, 2026
Top Quote Buhgalter gives exchangers, digital goods sellers, VPN services and Telegram bot owners one integration for card, SBP and QR payments, with payouts in rubles or USDT, low commissions and accountant-ready reports. End Quote
  • (1888PressRelease) October 31, 2026 - Buhgalter (https://buhgalter.app) now connects merchants to its P2P payment gateway, built for projects that sell to Russian-speaking buyers and want to keep revenue in rubles or in USDT. A buyer pays by card number transfer, by SBP from a banking app or by scanning a QR NSPK code, and the merchant sees the money on the balance without manual matching. Connection requests are handled by the manager in Telegram, ( @ ) buhgalter_tech dot

    Why online businesses look for a P2P payment gateway
    Many online projects hear "no" from ordinary checkouts long before they reach the first sale. Exchangers, digital goods stores, VPN services, Telegram bots, online schools and affiliate teams often spend weeks on applications and still end up taking payments by hand. Buhgalter was built for exactly these teams. The service accepts a wide range of business categories, meets clients halfway on onboarding and offers individual terms, including VIP conditions for projects with steady turnover. Commissions sit below the market and are charged only on payments that actually go through. The larger the average check, the lower the rate, and a custom rate grid is possible. Unpaid, cancelled and expired orders cost nothing, and refunds, full or partial, carry no platform fee.

    How the gateway works for the merchant
    Payment requests are created automatically. One API call returns ready payment details or a QR code for the order, and a signed webhook tells the merchant's server when the buyer has paid. If a notification is missed, it is sent again up to 8 times over about 13 hours, and every delivery is visible in the log. Developers get documented endpoints with examples in cURL, PHP, Python, Node.js and Java, plus a test mode with 200 test payments a day. Teams without a developer can share a payment link, embed a widget or press "Create payment" in the dashboard. Money is withdrawn automatically. The balance is held in USDT by default or in rubles, and the exchange rate is fixed at the moment each payment is created. Payouts go to a card, a bank account or a USDT TRC-20 wallet, and crypto withdrawals arrive as clean USDT. The hold period is agreed individually, from T+0 up to T+14. Buyers can also pay with an invoice in USDT, BTC, ETH or TON, and for sensitive payments the gateway offers a method with payer identity confirmation through secure providers KYCAID and NeuroVision. That protects the merchant from disputed payments without adding steps for honest buyers on ordinary orders.

    Accounting without spreadsheets by hand
    Reports are ready for the accountant: Excel exports, CSV files for 1C and a printable reconciliation statement with opening and closing balances, turnover and entries. The payment report shows created and paid orders, conversion, turnover, commission, credited amounts and refunds. Several projects can live in one account as separate storefronts, each with its own revenue line.

    A typical scenario
    A small team runs a Telegram bot that sells digital keys. A buyer taps "Pay", the bot requests details through the API, the buyer pays by SBP, and the webhook triggers delivery of the key a moment later. At the end of the day the revenue sits in USDT, and the team withdraws it to its wallet without any manual requests.

    FAQ
    What is a P2P payment gateway and who is it for?
    It is a way to accept card transfers, SBP and QR payments from buyers through one integration, with automatic matching of each payment to an order. Buhgalter offers it to exchangers, digital goods sellers, VPN services, bot owners, online schools and affiliate teams.

    Can I receive payouts in USDT?
    Yes. The balance can be kept in USDT, and withdrawals go to a USDT TRC-20 wallet as clean USDT, or to a card or bank account in rubles.

    How much does it cost?
    Commissions are below the market and depend on the average check; you pay only for successful payments. The manager will calculate an individual rate.

    How fast can I start?
    The integration guide says the first QR takes about 10 minutes, and a full setup with webhook and checks takes around an hour.

    How to connect
    Register at https://buhgalter.app, choose the "Store" role and write to the connection manager in Telegram, ( @ ) buhgalter_tech, to agree on your terms dot Ready to stop taking payments by hand? Open https://buhgalter dot app and send your project to the manager today dot

    About Buhgalter: Buhgalter (buhgalter.app) is a payment service for online projects that accepts SBP, QR NSPK, card transfers and crypto, pays out in rubles or USDT and provides accounting exports. Website: https://buhgalter.app. Connection: Telegram ( @ ) buhgalter_tech.

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